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by Lootman
November 20th, 2019, 5:28 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

Yes but aren't you coming up with a solution? You went off to another board to discuss what you wanted to discuss. Those who aren't proponents of the High Yield Portfolios (HYP) - Practical (Practical discussions about equity High-Yield Portfolios (HYP) for income) strategy seem unable to resist po...
by Lootman
November 20th, 2019, 5:07 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

Its adherents fail to consider the risks and vociferously attack anyone pointing them out. And opponents of HYP strategies often vociferously attack HYP strategies on HYP Practical, the board dedicated to running them in practice, not on High Yield Shares & Strategies where discussions about wh...
by Lootman
November 20th, 2019, 12:40 pm
Forum: Building and DIY
Topic: To Garage or Not To Garage?
Replies: 24
Views: 882

Re: To Garage or Not To Garage?

Cars rust a lot less these days, so the rule about never putting a wet car in the garage doesn't apply so much now. Likewise it used to be suggested not to heat your garage, as temperature accelerates the rusting process, but again that isn't a thing so much any more. For me it is what Bruncher sai...
by Lootman
November 20th, 2019, 11:54 am
Forum: Building and DIY
Topic: To Garage or Not To Garage?
Replies: 24
Views: 882

Re: To Garage or Not To Garage?

I have never garaged a car in the last 50 years. For a start, I didn't have a garage. and then when I did, there was a recommendation to never park a wet car in the garage; leaving it outside allowed a free flow of air to aid in underbody/under wings drying. Then, of course, there was the all the m...
by Lootman
November 20th, 2019, 11:42 am
Forum: Sports Bar (all sports)
Topic: Spurs sack Pochettino
Replies: 14
Views: 162

Re: Spurs sack Pochettino

Interesting to see how Mourinho gets on with Levy holding the purse strings and fans accustomed to attacking (if ultimately ineffective) football. Yeah, Jose generally only likes to manage teams with a big transfer budget. He likes to try and buy success, which is also why he said once he would nev...
by Lootman
November 20th, 2019, 11:35 am
Forum: Beerpig's Snug
Topic: The definition of naive
Replies: 38
Views: 569

Re: The definition of naive

The telling issue here seems to be that large swathes of the US population can't get access to insurance. Try getting a quote when you've had a major health issue, even ten years ago, and you're going to get a shedload of refusals unless you've got a fat wallet. So when the worst happens, you go br...
by Lootman
November 20th, 2019, 11:27 am
Forum: High Yield Shares & Strategies - general
Topic: Dividend Yield on FTSE 100
Replies: 59
Views: 1978

Re: Dividend Yield on FTSE 100

So, if one is happy with an annual dividend yield of 4.5%, wouldn't a FTSE 100 index tracker be a reasonable choice? Back in the day there was a rule of thumb that if the FTSE-100 yielded more than 3% it was a buy, and less than 3%, it was a sell. And that was back when interest rates were higher. ...
by Lootman
November 20th, 2019, 10:28 am
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

But equally in the real world the "HYP Strategy" failed to filter out Carillion, so why isn't every potential HYP selection a potential Carillion, particularly those with a downward price momentum? It is. But that is why diversification is such a key element, so that on these occasions it...
by Lootman
November 20th, 2019, 10:25 am
Forum: Taxes
Topic: HMRC Tax Forum
Replies: 20
Views: 1728

Re: HMRC Tax Forum

Yes, I agree with seagles. I am getting close to 80 and also an early user of the HMRC's on-line system. Let's get rid of these ageist comments that imply that anyone over 65, or whatever threshold you choose - usually at least 10 years older than the speaker, has completely lost competence and nee...
by Lootman
November 20th, 2019, 10:17 am
Forum: Beerpig's Snug
Topic: The definition of naive
Replies: 38
Views: 569

Re: The definition of naive

it's a bloody inefficient system they have in the US. Really handy as a market for the medical equipment I work in but not a place I'd like to rely on for care Horribly exploitative of their patients/customers/revenue stream. If you have insurance the US system works fine. Your out-of-pocket costs ...
by Lootman
November 19th, 2019, 7:45 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

whilst some HYP critics seem to repeatedly claim some sort of 'religious fervour' when it comes to HYP income-investors, it's often seemed to me that a mirror needs holding up to some of those frothing at the mouth with their constant stream of criticism. I agree with you that, like most disputes, ...
by Lootman
November 19th, 2019, 7:29 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

With regards to the specific thread title, I think it might just save an awful lot of time if we all just agree that there are perhaps two 'emotional responses' in play here - One, on the side of a HYP owner who clearly knows that the income-strategy that he's been following for years has delivered...
by Lootman
November 19th, 2019, 6:52 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

Gengulphus could not answer him and so I attempted to. The sub-topic then got moved here. ... Yes I know how we got here but what Gengulphus said was: 'Sorry, but I don't think I can answer that question without going seriously off this board's topic of running HYPs in practice - and as regards ans...
by Lootman
November 19th, 2019, 5:42 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

[Anyway some of us preferred being heretics and wandered off to the oil and gas board, ... Yes but aren't you coming up with a solution? You went off to another board to discuss what you wanted to discuss. Those who aren't proponents of the High Yield Portfolios (HYP) - Practical (Practical discuss...
by Lootman
November 19th, 2019, 4:47 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

There are a couple of components I agree with. I tend to buy in equal weights myself, at least with shares rather than funds. If you were really almost exclusively interested in income, wouldn't it be preferable to buy so as to achieve equal weight by projected annualised income? Not that anyone do...
by Lootman
November 19th, 2019, 3:38 pm
Forum: Beerpig's Snug
Topic: The definition of naive
Replies: 38
Views: 569

Re: The definition of naive

Average cost of a hip replacement to the NHS : £5,000 Average cost of a hip replacement in the United States: $32,000. A number of caveats to that comparison: 1) A large part of the US cost is malpractice insurance, which is astronomical in the US, but more related to the flaws in their tort system...
by Lootman
November 19th, 2019, 3:13 pm
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

Ian, if you will indulge me, what do you consider to be the three biggest defects of HYP? Assuming that you are talking about the HYP Strategy as laid out 19+ years ago by Stephen Bland ( pyad ) and: 1) Bearing in mind the intended audience are not "Investing Professionals" or even very e...
by Lootman
November 19th, 2019, 11:36 am
Forum: Beerpig's Snug
Topic: The definition of naive
Replies: 38
Views: 569

Re: The definition of naive

But there is also a pool of private-only specialists and your GP won't or can't mention them. By seeing one of those you are not depriving another NHS patient of anything. But if the private-only specialists had no private patients, would they starve, or would they offer their services to the NHS? ...
by Lootman
November 19th, 2019, 11:26 am
Forum: Beerpig's Snug
Topic: The definition of naive
Replies: 38
Views: 569

Re: The definition of naive

There are only a finite number of consultants, and going private doesn't increase their number or the average waiting time - it simply jumps you up the ladder, and de-facto drops NHS patients down the ladder. Not entirely. If you ask a NHS GP about the possibility of seeing a specialist privately t...
by Lootman
November 19th, 2019, 11:04 am
Forum: Biscuit Bar
Topic: Why does HYP1's discussion seem to stir a rather emotional response?
Replies: 77
Views: 949

Re: Why does HYP1's discussion seem to stir a rather emotional response?

I think the passion that comes through in the discussion is also connected to the board in which the discussion is taking place. If I recall correctly, the HYP-P board back in TMF spun off as a separate space so that those who accepted and believed in the methodology could discuss its practical app...

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